About Us
Get to know The Retirement Advantage

JOE CARRENO
RETIREMENT PLANNING FEDERAL EMPLOYEE RETIREMENT SPECIALISTS
For over 30 years The Retirement Advantage has been a State of Florida
(FRS) and a Federal Employee (FERS) independent advocate and an affiliate of PSRE (Public Sector Retirement Educators), a Federal Contractor and Registered Vendor to the Federal Government, Vendor # DUNS: 080670431 / Cage: 7ZEB0,also an affiliate of TSP Withdrawal Consultants.
We will help you understand the FERS Benefits and TSP withdrawal options
in detail while recognizing & maximizing all concurrent alternatives
available.
Our primary goal is to guide you into retirement with no regrets; safe,
predictable, stable, for life. We look forward to visiting with you.
Cordially,
FLAVIO J. “JOE” CARRENO, CHFEBC (SM)
WWW.THERETIREMENTADVANTAGE.NET
RETIREMENT PLANNING
FEDERAL EMPLOYEE RETIREMENT SYSTEM (FERS) SPECIALISTS
A Fiduciary
(SINCE 1989)
Our Mission
We serve with the motto of “delivering the most optimal federal employee retirement planning solutions to retirees and near retirement clients.” We endeavor to create personalized financial plans for our clients to help them achieve their financial goals after retirement. We help clients make timely smart retirement plans for relieving themselves from the unprecedented financial risks in the future.


Our Vision
We are optimizing the opportunities for federal employees to acquire better federal government benefits and retirement income. We have a dedicated team of federal retirement specialists to materialize this vision. Deliver your vision to our team, and we will present you with stellar financial plans.
Removing Your Financial Risks Is Our Prime Focus
We have a widespread circle of influence in Texas due to our quality services and result oriented approach. Being a federal employee gives you many benefits, but there is no financial security after retirement. Government pensions are not enough to bear your mounting expenses. This is where a financial expert proves to be beneficial for your financial stability. American Retirement Income Solutions has a dedicated team of seasoned financial consultants who give due consideration to your financial needs and make the perfect suggestions for asset protection and finance management.
Proven Financial Strategies for Your Secured Future
It all started 20 years ago to bring forward the best financial plans for the clients. With each passing year, we kept adding more efficiency and better knowledge of our skillset. Now we have industry-standard finance strategies and retirement planning services to materialize your financial dreams. We develop a good relationship with our clients. Adopting the right strategy will maximize your benefits after retirements. Why settle for ordinary benefits with low retirement income when you can make smart decisions with American Retirement Income Solutions?
Our Lawyers

John Smith

Audi Farrar

Meggie Penn
Our Approach
You will not find too many federal retirement specialists with the level of professionalism practiced here at American Retirement Income Solutions. We adopt a systematic mechanism to assess your requirement and devise the right strategy accordingly.
We sit with the clients to gather their expectations and future financial goals. A basic set of recommendations are presented to the clients to help them explore the right opportunity according to their desired outcomes.
After assessing your expectations, current financial insights, and other finance-related requirements, we devise a fully customized financial plan to provide you with maximum federal employee benefits. Complete details are discussed with the clients to ensure that the planning meets the expectations of our clients.
Our professionals ensure that you stick to the financial plan and follow all the regulations to keep up with the changing market trends. The protection of your wealth with minimum involvement of risk is the primary goal. You will gain immense benefits after retirement if American Retirement Income Solutions has been your financial consultant throughout the financial planning period.